No one has ever complained about having an additional source of passive income.

Although investing always carries its risks, it is undoubtedly one of the easiest ways to make money. All of your hard-earned income can be employed to generate more value, which in return can make even more money, until you finally get out of the rat race. At least that is how it works in theory.

In reality, markets are complicated and it is not easy to make the right investment decisions all of the time. However, these 13 apps and websites are designed to make investing almost effortless.

If you have not started investing yet, I recommend you start taking care of your financial future today. It may take time, but the results are immensely rewarding and your future self will thank you.

Seedrs

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Seedrs

Seedrs is an equity crowdfunding platform that is meant to make investing easy. It is a platform for startup owners and potential backers.

Investing in startups is risky, but immensely rewarding. Seedrs simplifies its process by providing the means and tools to make informed decisions and crowd fund safely. Upon signup, all you need to do is follow your favorite startup’s campaign and press a few buttons to invest. Amounts start from as little as $10.

Entrepreneurs set their campaign goals, and if they are not met within 60 days, you get your money back. Moreover, Seedrs is about to launch a secondary market -- a place where you can trade your shares with other investors. It may not be the second Wall Street just yet, but the potential is here.

Acorns

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Acorns

Speaking of Wall Street, Acorns is a unique way to invest in stocks and bonds, on a micro level.

Acorns combines saving and investing by automatically investing your spare change from every purchase you make throughout your day. For example, if you spend $4.60 on lunch, it rounds the amount to $5 and invests the additional $0.40. So, instead of stacking large sums, you plant small seeds in Acorns' investment program.

Acorns membership costs only $1 per month, or a 0.25 percent annual fee for accounts with $5,000 or more. If you are a student and have an .edu email address, you can sign up for Acorns free of charge for the upcoming four years.

Stash

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Stash

Stash seeks to empower the new generation of investors by allowing you to invest your money in the industries you support.

You start with as little as $5, and you have total control over where your money goes. Stash offers over 30 baskets of investment, so you can choose if you want to support environmentally friendly companies or someone from the entertainment, travel and leisure industries.

Stash is the ultimate novice investor’s tool because it also provides tips and tools on how to build a sound personal portfolio. Pricing starts at just $1 per month including a free trial month. Portfolios over $5,000 pay a 0.25 percent annual fee.

M1 Finance

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M1 Finance

M1 is a long-term investment robo-advisor for people who want their money to work for them. In brief, it incorporates control and customization with the automation and cost structure of typical robo-advisors.

The M1 process goes like this: You open a free account and choose a portfolio template that fits your goals. For example, you can select a plan for retirement or for income earners, which replicates the security holding movements of American depository banks. If you do not like any option, you can create your own investment pie.

The initial investment is at least $100. The first $1,000 is handled free of charge. Investments up to $100,000 incur a 0.25 percent annual fee and accounts over $100,000 pay a 0.15 percent annual fee.

Robinhood

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Robinhood

Robinhood is an app that seeks to disrupt traditional stock brokers. It offers an ability to buy and sell stocks for free.

How does the app make money then? For $6 per month, you can purchase the Robinhood Gold service, which doubles your buying power and provides access to after hours trading. Also, the app collects interest on the cash and securities stored in your account, just like the banks do.

In exchange, you get free, real-time trading. It is a great service for beginners, however, it is far from a full-service trading platform. The app lacks analytics and educational tools, therefore you might want to use it together with other financial information apps, such as Bloomberg or Benzinga.

Gold Tracker

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Gold Tracker

Investors who seek stability often tend to look for commodities. Thus, tangible assets such as gold, silver or platinum become attractive investing options. If you are one of those people who seek a greater sense of control or simply want to diversify your portfolio, Gold Tracker may come in handy.

It is exclusively an iOS app that helps to manage your precious metal resources with a clean user interface. It costs $2.99 and is available in the app store.

Openfolio

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Openfolio

Openfolio is a free digital financial assistant that lets you quickly oversee the current state of your finances.

It allows you to bring all your financial accounts in one place, including bank, brokerage and other investment accounts. The app also equips you with smart insights, tips, forecasts and tracking along with a holistic view of all your financial affairs.

Also, you can compare your financial performance with other investors to see where you are lagging and make improvements.

Betterment

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Betterment

Betterment is an excellent robo-advisor for young investors. You can start with as little as $1 with a simple digital plan.

Betterment seeks to minimize investment risks and maximize the returns. All you need to do is state your income and goals. Afterward, Betterment’s award-winning portfolio management system does everything for you. So, if you do not have much time to get involved with investing, it might be the right option for you.

The service charges a 0.25 percent annual fee and 0.40 percent commission for premium accounts with more than $100,000.

FeeX

FeeX is the self-proclaimed “Robin Hood of fees.” Just like its inspirer, it is on a noble mission to take from the rich to give to the poor.

If you have an old 401(k) or IRA savings account, you might want to check this one out. FeeX checks all of your commission fees and helps you find the ways to reduce them.

The best part is that FeeX is absolutely free. If it manages to reduce your costs, FeeX earns its share via referral agreements with other financial service providers, so essentially it is a win-win for everyone.

SigFig

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SigFig

SigFig is another robo-advisor service. It has the highest starting investment level on this list as it offers customized portfolios starting at $2,000.

However, it has its benefits. SigFig streamlines the process of investing, so all you need to do is enter your age, investment period, income information and risk level and you will get a recommended portfolio that fits your needs.

Also, it offers portfolio tracking and personalized human advice for free. So, you can make use of it even before you fund your SigFig account.

It only charges the accounts with more than $10,000. The annual rate is 0.25 percent. Accounts between $2,000 and $10,000 are managed free of charge.

Wealthfront

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Wealthfront

Wealthfront is one of the best robo-advisors in the market. It is designed to make investing simple and profitable.

It is a superior service for young investors who prefer hands off asset management. Also, it offers many handy features, such as financial planning, tax loss harvesting, direct indexing and free portfolio reviews.

To start with Wealthfront, you need a $500 initial investment, and your first $10,000 is managed without any fee. For larger sums, the standard fee of 0.25 percent applies.

Estimize

Estimize is a financial estimate service based on the wisdom of the crowd. That does not sound smart, but it has already proven to be more accurate than Wall Street 74 percent of the time.

Estimize crowdsources insights from almost 60,000 analysts and reports on more than 2,000 stocks per quarter. In that way, the platform can produce unbiased and more accurate financial predictions.

You can use Estimize to forecast the profits of your portfolio. The website provides estimates for particular stocks that you can use for your investment decisions. Registration is free, so everyone can join and contribute their expertise.